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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,415 | $84,236-88.8% | $170,435-94.5% | $70,126-86.6% |
| Participation rate | 53.5% | 70.8%-17.3pp | 83.6%-30.1pp | 69.5%-16.1pp |
| Annual return | 12.56% | 23.06%-10.5pp | 205.94%-193.4pp | 73.15%-60.6pp |
| Employer contribution / active EE | $1,137 | $3,387-66.4% | $5,432-79.1% | $2,343-51.4% |
| Participant deferral / active EE | $466 | $3,086-84.9% | $4,939-90.6% | $3,332-86.0% |
| Admin fee / account holder | $1,467 | $5,698-74.3% | $13,881-89.4% | $4,645-68.4% |